A customer service representative for a large financial institution noticed that several of the

bank's customers had recently closed accounts and paid off loans long before the loans were

due. He also noticed that most of the customers had closed their accounts shortly after a

competitor had opened a new branch nearby. The fundamental source of this marketing

problem might best be described as:

an unplanned change in the marketing environment.

a discovery$-$oriented decision problem.

a planned change in the marketing environment.

all of these.

none of these.